432 Chip-Wood Ln
Big Bear Lake, CA 92315
$599,900
3 bd · 2.5 ba · Listed 69d ago
View on Realtor.com →Year built
2008
Sqft
—
Lot sqft
3,040
HOA / mo
None
Furnished
No
List date
2026-09-05T16:08:09.000000Z
Revenue
Annual revenue
$20,491
ADR
$181
Occupancy
31%
Cleaning fees (12 mo)
$3,038
Confidence
Low (41.46), 50 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $36,290
Snow Summit Getaway Home
Apartment · 3 bd · 2 ba · sleeps 8 · 0 ft
Revenue $5,273ADR $284Occ ≈ 5%—
Larks Nest in Big Bear Lake
Vacation home · 3 bd · 2 ba · sleeps 6 · 0 ft
Revenue $80,785ADR $517Occ ≈ 43%4★ (1)
⭐️Walk to Lake & Village✅WIFI☀️Deck #HoneybeeCabin
House · 3 bd · 2 ba · sleeps 10 · 413 ft
- Free parking
- Wifi
- Kitchen
- Washer
- +1
Revenue $47,450ADR $167Occ ≈ 78%4.9★ (343)
Walk to Village & Lake! Summer Camp, Grown Up
Cabin · 3 bd · 2 ba · sleeps 7 · 0.1 mi
- Hot tub
- A/C
- Free parking
- Wifi
- +2
Revenue $92,667ADR $415Occ ≈ 61%5★ (52)
Disney cabin by lake & village private snow play!
Cabin · 3 bd · 2.5 ba · sleeps 6 · 0.2 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +3
Revenue $9,817ADR $409Occ ≈ 7%4.8★ (84)
Mount Berkley Big Bear~ Walk to Village~ Games~
Vacation home · 3 bd · 2 ba · sleeps 7 · 0.2 mi
Revenue $39,240ADR $803Occ ≈ 13%4★ (1)
Uncle Sal's Hideaway. Walk to The Village!
House · 3 bd · 2.5 ba · sleeps 6 · 0.2 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +1
Revenue $11,823ADR $339Occ ≈ 10%4.8★ (23)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Snow Summit Getaway Home Apartment | 3 bd · 2 ba · sleeps 8 | $5,273 | $284 | 5% | — | 0 ft | Booking |
Larks Nest in Big Bear Lake Vacation home | 3 bd · 2 ba · sleeps 6 | $80,785 | $517 | 43% | 4★ (1) | 0 ft | Booking |
⭐️Walk to Lake & Village✅WIFI☀️Deck #HoneybeeCabin House
| 3 bd · 2 ba · sleeps 10 | $47,450 | $167 | 78% | 4.9★ (343) | 413 ft | Airbnb |
Walk to Village & Lake! Summer Camp, Grown Up Cabin
| 3 bd · 2 ba · sleeps 7 | $92,667 | $415 | 61% | 5★ (52) | 0.1 mi | Airbnb |
Village Retreat: Luxury! Pool Table! Near Village! House
| 3 bd · 2.5 ba · sleeps 8 | $25,243 | $392 | 18% | 4.9★ (37) | 0.2 mi | AirbnbVrbo |
Disney cabin by lake & village private snow play! Cabin
| 3 bd · 2.5 ba · sleeps 6 | $9,817 | $409 | 7% | 4.8★ (84) | 0.2 mi | Airbnb |
Mount Berkley Big Bear~ Walk to Village~ Games~ Vacation home | 3 bd · 2 ba · sleeps 7 | $39,240 | $803 | 13% | 4★ (1) | 0.2 mi | Booking |
Uncle Sal's Hideaway. Walk to The Village! House
| 3 bd · 2.5 ba · sleeps 6 | $11,823 | $339 | 10% | 4.8★ (23) | 0.2 mi | Airbnb |
Mount Berkley Relaxing Village Retreat at Big Bear Cabin
| 3 bd · 2 ba · sleeps 7 | $21,273 | $476 | 12% | 4.8★ (11) | 0.2 mi | AirbnbVrboBooking |
The Wee Hoose in The Village/Steps From Everything Chalet
| 3 bd · 2 ba · sleeps 6 | $36,758 | $279 | 36% | 5★ (154) | 0.2 mi | AirbnbVrboBooking |
Show 32 more
Woodland Escape- Popular! AC+SPA! Walk to Village!
Cabin · 3 bd · 1.5 ba · sleeps 10 · 0.3 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +4
Revenue $67,463ADR $335Occ ≈ 55%4.8★ (641)
Walk to Village + Lake +SPA+ EV Charger
Cabin · 3 bd · 2 ba · sleeps 6 · 0.3 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +6
Revenue $28,288ADR $242Occ ≈ 32%4.8★ (386)
Lazy Bear Lodge Cabin - Close to Slopes and lake!
Cabin · 3 bd · 3 ba · sleeps 6 · 0.3 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +4
Revenue $9,720ADR $418Occ ≈ 6%4.9★ (17)
Big Bear Bungalow! Walk to The Lake & Village!
Cabin · 3 bd · 2 ba · sleeps 7 · 0.3 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +2
Revenue $27,496ADR $322Occ ≈ 23%4.8★ (60)
A Hidden Asset Big Bear~ Hot Tub~ Walk to Village~
Vacation home · 3 bd · 2 ba · sleeps 6 · 0.3 mi
Revenue $35,822ADR $503Occ ≈ 20%3.8★ (2)
Steps to Village, PetsAllowed, Billiards, Arcades
Cabin · 3 bd · 2 ba · sleeps 8 · 0.3 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +3
Revenue $49,276ADR $476Occ ≈ 28%4.7★ (14)
Forest Shores Lake View Condo by Big Bear Vacations Lakefront Village
Vacation home · 3 bd · 3 ba · sleeps 7 · 0.3 mi
Revenue $37,557ADR $487Occ ≈ 21%3.5★ (1)
Lakefront Views/Walk to Village/Best Location
House · 3 bd · 3 ba · sleeps 9 · 0.3 mi
- Hot tub
- Pool
- Free parking
- Pets OK
- +4
Revenue $100,970ADR $528Occ ≈ 52%5★ (11)
The Lounging Lodge near the Village!
Chalet · 3 bd · 2 ba · sleeps 6 · 0.3 mi
Revenue $39,089ADR $168Occ ≈ 64%4.9★ (6)
Big Bear Retreat w/ Hot Tub & Fire Pit | Sleeps 8
House · 3 bd · 3 ba · sleeps 8 · 0.3 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +4
Revenue $17,855ADR $425Occ ≈ 12%5★ (1)
077 - Lucky 7s - Meredith Lodging
Vacation home · 3 bd · 3 ba · sleeps 8 · 0.4 mi
Revenue $5,872ADR $455Occ ≈ 4%4.2★ (9)
Charming Log Cabin - Near Lake, Village & Hiking
Cabin · 3 bd · 2.5 ba · sleeps 7 · 0.4 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +1
Revenue $57,354ADR $334Occ ≈ 47%5★ (287)
4 HOUSES FROM THE VILLAGE, Remodeled, WiFi/Smart TV, W/D, Fireplace, Pets, Clean
House · 3 bd · 2 ba · sleeps 6 · 0.4 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +3
Revenue $18,178ADR $514Occ ≈ 10%5★ (170)
3 bedroom, 3 bath, 2 decks, bbq + fun yard!
House · 3 bd · 3 ba · sleeps 8 · 0.4 mi
Revenue $26,843ADR $206Occ ≈ 36%4.7★ (228)
Delisted
Blues Bear Lake Retreat / Hot Tub / Walk to Lake!
House · 3 bd · 2 ba · sleeps 7 · 0.4 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +2
Revenue $19,873ADR $369Occ ≈ 15%4.8★ (114)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Woodland Escape- Popular! AC+SPA! Walk to Village! Cabin
| 3 bd · 1.5 ba · sleeps 10 | $67,463 | $335 | 55% | 4.8★ (641) | 0.3 mi | Airbnb |
Walk to Village + Lake +SPA+ EV Charger Cabin
| 3 bd · 2 ba · sleeps 6 | $28,288 | $242 | 32% | 4.8★ (386) | 0.3 mi | Airbnb |
Lazy Bear Lodge Cabin - Close to Slopes and lake! Cabin
| 3 bd · 3 ba · sleeps 6 | $9,720 | $418 | 6% | 4.9★ (17) | 0.3 mi | Airbnb |
WalkToVillage! Dog Friend!y! Come Visit Big Bear! Cabin
| 3 bd · 2 ba · sleeps 6 | $47,244 | $427 | 30% | 4.9★ (274) | 0.3 mi | AirbnbVrbo |
Big Bear Bungalow! Walk to The Lake & Village! Cabin
| 3 bd · 2 ba · sleeps 7 | $27,496 | $322 | 23% | 4.8★ (60) | 0.3 mi | Airbnb |
A Hidden Asset Big Bear~ Hot Tub~ Walk to Village~ Vacation home | 3 bd · 2 ba · sleeps 6 | $35,822 | $503 | 20% | 3.8★ (2) | 0.3 mi | Booking |
A Hidden Asset- Village Retreat w/ Hot Tub Cabin | 3 bd · 2 ba · sleeps 6 | $37,881 | $496 | 21% | 4.5★ (26) | 0.3 mi | AirbnbBooking |
Half-Mi to Big Bear Lake: Modern Home w/ Deck House
| 3 bd · 2 ba · sleeps 7 | $37,290 | $360 | 28% | 4.8★ (136) | 0.3 mi | AirbnbVrboBooking |
Steps to Village, PetsAllowed, Billiards, Arcades Cabin
| 3 bd · 2 ba · sleeps 8 | $49,276 | $476 | 28% | 4.7★ (14) | 0.3 mi | Airbnb |
Forest Shores Lake View Condo by Big Bear Vacations Lakefront Village Vacation home | 3 bd · 3 ba · sleeps 7 | $37,557 | $487 | 21% | 3.5★ (1) | 0.3 mi | Booking |
BBQ + Fenced Yard + Walk to Village & Slopes Cabin
| 3 bd · 2 ba · sleeps 7 | $23,663 | $378 | 17% | 4.8★ (41) | 0.3 mi | AirbnbVrboBooking |
Village Lakefront Condo Retreat at Forest Shores Condominium (condo)
| 3 bd · 3 ba · sleeps 7 | $28,066 | $551 | 14% | 4.7★ (17) | 0.3 mi | AirbnbBooking |
Cozy Cabin Retreat | Walk to Village + Fireplace Cabin
| 3 bd · 2 ba · sleeps 6 | $49,808 | $229 | 60% | 4.8★ (208) | 0.3 mi | AirbnbVrbo |
2250-Forest Shores Lake View Condo Condominium (condo)
| 3 bd · 3 ba · sleeps 9 | $22,846 | $448 | 14% | — | 0.3 mi | AirbnbVrboBooking |
Lakefront Views/Walk to Village/Best Location House
| 3 bd · 3 ba · sleeps 9 | $100,970 | $528 | 52% | 5★ (11) | 0.3 mi | Airbnb |
3 Bed, 2 Bath, Game room, Walk to Lake & Dining House | 3 bd · 2 ba · sleeps 6 | $48,250 | $327 | 40% | 5★ (36) | 0.3 mi | AirbnbBooking |
The Adler's Nest | Lakefront w/ Pool & Spa Condominium (condo)
| 3 bd · 3 ba · sleeps 9 | $53,152 | $410 | 36% | 4.9★ (51) | 0.3 mi | AirbnbVrboBooking |
The Lounging Lodge near the Village! Chalet | 3 bd · 2 ba · sleeps 6 | $39,089 | $168 | 64% | 4.9★ (6) | 0.3 mi | Booking |
Big Bear Retreat w/ Hot Tub & Fire Pit | Sleeps 8 House
| 3 bd · 3 ba · sleeps 8 | $17,855 | $425 | 12% | 5★ (1) | 0.3 mi | Airbnb |
Lakefront Condo! Firework views! Village Location! House
| 3 bd · 3 ba · sleeps 8 | $54,764 | $316 | 47% | 4.8★ (55) | 0.4 mi | AirbnbVrbo |
The Village Timber Lodge at Big Bear Lake Cabin
| 3 bd · 2.5 ba · sleeps 8 | $37,150 | $797 | 13% | 4★ (2) | 0.4 mi | AirbnbVrboBooking |
077 - Lucky 7s - Meredith Lodging Vacation home | 3 bd · 3 ba · sleeps 8 | $5,872 | $455 | 4% | 4.2★ (9) | 0.4 mi | Booking |
Charming Log Cabin - Near Lake, Village & Hiking Cabin
| 3 bd · 2.5 ba · sleeps 7 | $57,354 | $334 | 47% | 5★ (287) | 0.4 mi | Airbnb |
4 HOUSES FROM THE VILLAGE, Remodeled, WiFi/Smart TV, W/D, Fireplace, Pets, Clean House
| 3 bd · 2 ba · sleeps 6 | $18,178 | $514 | 10% | 5★ (170) | 0.4 mi | Vrbo |
Timberwood Cabin Elegant & Class Cabin
| 3 bd · 2 ba · sleeps 8 | $20,348 | $635 | 9% | 4.9★ (10) | 0.4 mi | AirbnbVrboBooking |
Prime location cabin in Big Bear! Cabin
| 3 bd · 2 ba · sleeps 8 | $34,058 | $497 | 19% | 4.8★ (64) | 0.4 mi | AirbnbVrboBooking |
Lakeside Retreat, walking distance to Bear Lake! House | 3 bd · 2 ba · sleeps 8 | $16,407 | $541 | 8% | 4.7★ (19) | 0.4 mi | AirbnbBooking |
3 bedroom, 3 bath, 2 decks, bbq + fun yard! House | 3 bd · 3 ba · sleeps 8 | $26,843 | $206 | 36% | 4.7★ (228) | 0.4 mi | Delisted |
Live Love Lake Cabin | Hot Tub & Walk to Village House
| 3 bd · 3 ba · sleeps 10 | $44,102 | $438 | 28% | 5★ (16) | 0.4 mi | AirbnbVrbo |
Kit Kats Hideaway Big Bear- Hot Tub- Games Cabin
| 3 bd · 2 ba · sleeps 8 | $57,165 | $473 | 33% | 4.5★ (37) | 0.4 mi | AirbnbVrboBooking |
Blues Bear Lake Retreat / Hot Tub / Walk to Lake! House
| 3 bd · 2 ba · sleeps 7 | $19,873 | $369 | 15% | 4.8★ (114) | 0.4 mi | Airbnb |
Mountain Air Vacation home | 3 bd · 2 ba · sleeps 6 | $15,691 | $217 | 20% | — | 0.4 mi | Booking |
Revenue and nightly rate (ADR) are trailing-12-month figures per listing. Occupancy is estimated as revenue ÷ ADR ÷ 365 and can read high when revenue includes cleaning fees.
Cash flow calculator
Rate 7.86% = 7.11% Freddie Mac 30-yr avg (Nov 12) + 0.75% investor premium
Est. revenue
$20,491
NOI
$895
Cash flow /mo
-$3,183
Cash needed
$193,471
Cash-on-cash
-19.7%
ROE (yr 1)
-8.4%
Cap rate
0.1%
DSCR
0.02
Year-1 write-off
$105,924
Year-1 tax shield @ 32%
$33,896
Year-1 return on equity
- Cash flow (annual)-$38,196
- Principal paydown$3,864
- Appreciation at%$17,997
Tax savings aren't counted. Turn on “Count tax savings in returns” above if you can use the losses.
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$4,098
- Platform fees (3% of revenue)$615
- Maintenance / capex (5% of revenue)$1,025
- Utilities & supplies$4,200
- HOA$0
- Property tax$7,499
- Insurance (STR-rated)$3,059
Cash needed to close
- Down payment (25%)$149,975
- Closing costs (4.0%)$23,996
- Furnishing (bought new)$19,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$33,896
No county tax record split for property tax, insurance rate and the land/building split, so those use market defaults — edit the price above; other assumptions match the daily feed (see tasks/plan.md).
The write-off comes from the cost segregation estimate below. Not tax advice.
Cost segregation estimate
An estimate from the listing: every part of the home is priced from national construction costs, less wear for age, and the price (less land) is spread over the parts in proportion. The headline is what a typical cost seg study would claim for this property. The answers below are optional refinements.
Depreciable basis
$420,000
Short-life (5/15-yr)
$85,000 · 20%
Year-1 deduction
$106,000
Year-1 tax shield @ 32%
$34,000
Land 30% (market default, no usable tax-record split) · building $335,000 over 39 years · new furniture $20,000
Based on: ~1,900 sq ft (from beds), built 2008, 3 bd / 2.5 ba, unfurnished, listing features (deck, fence, fireplace, stone counters, flooring types, appliance list, wooded lot).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $68,000 in year 1 (11% short-life, $22,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $7,300
Kitchen cabinetsdefault
$10,000 new × 40% good × 1.82 allocation
- $7,400
Kitchen countertops (stone)listing
$10,200 new × 40% good × 1.82 allocation
- $2,400
Decorative trimdefault
$3,300 new × 40% good × 1.82 allocation
- $200
Mirrorsdefault
$300 new × 40% good × 1.82 allocation
- $900
Shelvingdefault
$1,200 new × 40% good × 1.82 allocation
- $3,500
Window coverings (19)default
$4,800 new × 40% good × 1.82 allocation
- $4,500
Carpet, vinyl & laminate (50% of floors)listing
$6,100 new × 40% good × 1.82 allocation
- $9,000
Kitchen & laundry equipment plumbingdefault
$7,800 new × 64% good × 1.82 allocation
- $5,500
Kitchen, laundry & data equipment electricaldefault
$4,700 new × 64% good × 1.82 allocation
- $5,900
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)listing
$8,100 new × 40% good × 1.82 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $8,200
Paving: driveway & walks (paved)default
$9,000 new × 50% good × 1.82 allocation
- $4,000
Landscaping (minimal)listing
$4,300 new × 50% good × 1.82 allocation
- $1,700
Patiosdefault
$1,900 new × 50% good × 1.82 allocation
- $19,500
Decks & porches (attached)listing
$21,400 new × 50% good × 1.82 allocation
- $5,500
Fencinglisting
$6,000 new × 50% good × 1.82 allocation
- $262,800
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$206,100 new × 70% good × 1.82 allocation
- $24,900
Building plumbing & fixturesdefault
$21,400 new × 64% good × 1.82 allocation
- $24,900
Building electrical & lightingdefault
$21,400 new × 64% good × 1.82 allocation
- $15,600
HVACdefault
$21,400 new × 40% good × 1.82 allocation
- $4,500
Hardwood & tile floorsdefault
$6,100 new × 40% good × 1.82 allocation
- $1,900
Fireplacelisting
$2,600 new × 40% good × 1.82 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $66,000 | $38,800 | $1,100 | $105,900 |
| 2 | $0 | $0 | $8,600 | $8,600 |
| 3 | $0 | $0 | $8,600 | $8,600 |
| 4 | $0 | $0 | $8,600 | $8,600 |
| 5 | $0 | $0 | $8,600 | $8,600 |
| 6+ | $0 | $0 | $299,200 | $299,200 |
| Total | $66,000 | $38,800 | $334,600 | $439,400 |
Model-based estimate, not an engineered cost segregation study. The IRS doesn’t approve studies; get a professional study before filing. Using these losses against W-2 income needs the short-term rental exception (average stay ≤7 days + material participation). The 39-year building life applies because stays average under 30 days, a separate test (27.5 years for a long-term rental). Federal only: California, Georgia and Wisconsin disallow bonus depreciation, Ohio adds back 5/6 of it, and Tennessee has no personal income tax. Not tax advice.
Market note
Big Bear Lake (city) and unincorporated county areas both allow permitted short-term rentals, and we found no numeric permit cap in either. Permits/licenses generally do NOT transfer on sale — a buyer must apply for their own, so confirm permit status with the city or San Bernardino County before closing. City: vacation rental license, up to 3 per owner. County: 1 permit per parcel under 2 acres, 2 max per owner. Lodging tax ~13% in the city, ~7% county. Rules change; verify before you buy.